Dussehra :: Popular Festival Delhi,Noida and Gurgaon

Dussehra is a popular festival celebrated by Hindus all over India, albeit with different names. It is also known as Vijayadashmi ('Vijay' meaning 'victory' and 'Dashmi meaning 'tenth day), as it is believed that it was on this day that Lord Rama killed the demon-king, Ravana and rescued his abducted wife - Sita. In other words, it signifies the triumph of good over evil. The legendary triumph is reenacted to the day. In the northern parts of India, huge effigies of Ravana, his giant brother Kumbhkarna and son Meghnath are placed in vast open grounds. Fireworks and crackers are placed inside the effigies.

Actors dressed as Rama, his wife Sita and brother Lakshmana enact the final moments of the battle, at the Ramlila ground. After the enactment of the climax of the war with Ravana, the character playing Rama shoots an arrow with a flaming tip at the effigies from a safe distance and the crowd bursts up in cheer, as the crackers catch fire. The enthusiasm and the cheers sometimes even drown the deafening blast. Merriment ensues, as people indulge themselves games, dance and music that are held at the fair.

Bengalis celebrate Dusshera as a part of their main festival - Durga Puja. This day marks the end of Durga Pooja celebrations, the preceding nine days being collectively referred to as 'Navratri'. Vijayadashmi is dedicated to Mother Goddess Shakti, who incarnated in the form of Goddess Durga, a combined manifestation of the divine energies of the Holy Trinity - Brahma, Vishnu and Mahesh and all the other devatas, when they summoned her to kill the mighty demon known as Mahishasura and freed the world from his terror.

On Vijayadashmi, the idols of Goddess Durga are immersed into water, after the nine days of festivities. It is said that the people of the earth in the eastern state of West Bengal adopted Durga as their daughter and thus, she visits the home of her parents every year, during the last four days of Navratri, along with her sons Ganesha and Kartikeya, and daughters Lakshmi and Saraswati. She finally leaves for her husband's place on Vijayadashmi. Similar customs are seen in Orissa and Assam. In the North-eastern state of Tripura, huge fairs are conducted and effigies of Ravana, Meghnath and Kumbhkarna are burnts at Ramlila maidans.

In the southern states of Tamil Nadu and Kerala, Vijayadashmi holds special significance. The day is considered auspicious for starting education or any form of art, such as dance and music. Saraswati Puja is conducted on the day, when the formal commencement of education of small kids takes place. It is called 'Vidya aarambham' (the beginning of Vidya, meaning education). In Karnataka (especially Mysore) and Andhra Pradesh, Dusshera is celebrated with fanfare. Huge processions can be witnessed in both the States. Although Dussehra is celebrated in different ways across India, the motive remains the same - to spread good cheer and celebrate the victory of good over the evil.

Delhi Refinancing Opportunites and Understanding of Refinancing

What is a Refinancing?






Refinancing refers to the replacement of an existing debt obligation with a debt obligation bearing different terms. The most common consumer refinancing is for a home mortgage.

What are Advantages of Refinancing?

Refinancing may be undertaken to reduce interest rate/interest costs (by refinancing at a lower rate), to extend the repayment time, to pay off other debt(s), to reduce one's periodic payment obligations (sometimes by taking a longer-term loan), to reduce or alter risk (such as by refinancing from a variable-rate to a fixed-rate loan), and/or to raise cash for investment, consumption, or the payment of a dividend.

In essence, refinancing can alter the monthly payments owed on the loan either by changing the loan's interest rate, or by altering the term to maturity of the loan. More favourable lending conditions may reduce overall borrowing costs. Refinancing is used in most cases to improve overall cash flow.

Another use of refinancing is to reduce the risk associated with an existing loan. Interest rates on adjustable-rate loans and mortgages shift up and down based on the movements of the various indices used to calculate them. By refinancing an adjustable-rate mortgage into a fixed-rate one, the risk of interest rates increasing dramatically is removed, thus ensuring a steady interest rate over time. This flexibility comes at a price as lenders typically charge a risk premium for fixed rate loans.

In the context of personal (as opposed to corporate) finance, refinancing a loan or a series of debts can assist in paying off high-interest debt such as credit card debt, with lower-interest debt such as that of a fixed-rate home mortgage. This can allow a lender to reduce borrowing costs by more closely aligning the cost of borrowing with the general creditworthiness and collateral security available from the borrower. For home mortgages, in the United States, there may be certain tax advantages available with refinancing, particularly if one does not pay Alternative Minimum Tax.

What are Risk Factor of Refinancing?

Most fixed-term debt contains penalty clauses (known as "call provisions") that are triggered by an early payment of the loan, either in its entirety or a specified portion. In addition, there are also closing and transaction fees typically associated with refinancing debt. In some cases, these fees may outweigh any savings generated through refinancing the loan itself. Typically, one only rationally considers refinancing if the potential for a substantial cost savings exists, or if there is a need to extend the loan due to weak cash flow or other non-recurring commitments.

In addition, some refinanced loans, while having lower initial payments, may result in larger total interest costs over the life of the loan, or expose the borrower to greater risks than the existing loan, depending on the type of loan used to refinance the existing debt. Calculating the up-front, ongoing, and potentially variable costs of refinancing is an important part of the decision on whether or not to refinance.

Links of Refinancing Institutions In Delhi, Gurgaon and Noida

All-India term-lending and Refinancing Institutions
Apex development financial institution for agriculture and rural development, Nabard

Nano Car's

Probable buyers from all walks of life are checking it out. Some are serious about the money they want to invest while others just want a taste of the latest craze. Even the diamante-dripping socialite, who thinks it’s a disgrace to discuss a car that costs just half her monthly budget, is discreetly sending her chauffeur to fetch a booking form. “Arrey, bachche khelenge,” is her condescending excuse.

But the Nano’s space meter is a genuine eye-opener. I had a quick peek at it at the AutoExpo last year and had wondered how a tall (pun intended) man like Ratan Tata could comfortably fit onto its jelly bean-like shape. But when I got the chance to actually sit inside one, I couldn’t help but pat myself on the back for being from the country that had produced this miracle.

The Nano is small, but doesn’t look so. Statistics aside, it has more leg space than the Maruti 800. Both the driver and passengers at the back can stretch their limbs comfortable. Maruti 800 drivers of average height face a problem: their knees bump against the dashboard. The Nano let’s you stretch your legs full. For a shorter person, the front seat has to be dragged ahead to reach the clutch! More space at the back!

The car’s tallboy shape ensures that you don’t feel the roof is caving in (as it does in the Maruti).

Visa-free/Visa-on-Arrival Travel Access for Indian Passport Holders

According to visa and passport information from the International Air Transport Association (IATA), many countries and territories provide visa-free or visa-on-arrival access to holders of Republic of India passports.

Only 20 countries and territories are visa-free accessible[citation needed]. Visa prior to arrival or pre-arrangement required for countries or territories not mentioned below.

Where visa-free access is permitted, such access is not necessarily a right, and admission may technically be at the discretion of border enforcement officers. Visitors engaging in activities other than tourism, including unpaid work, may require a visa or work permit.

Where the Indian is usually resident is also important in determining the visa requirements to visit any country. For example, Indians resident in UK, USA or Canada holding a residence permit valid for atleast 6 months do not need a visa to travel to Costa Rica for tourism purposes. Similarly, residents in US, do not need a tourist visa for Cayman Islands or Bermuda.

e-Passport (Biometric Passport) for Indians

Indian Government has just recently initiated first phase deployment of Biometric e-Passport for Diplomatic Passport holders in India and abroad. The new passports have been designed indigenously in India by the Central Passport Organisation, the India Security Press and IIT Kanpur, it contains a security chip with all personal data and digital images. In first phase new passports will have 64KB chip which contains personal photograph of passport holder and subsequently it will have a fingerprint. The new passport has already tested with passport readers in United States and have 4 second of response time which is 2/5th of US Passport 10 second response time. It need not be carried in a metal jacket for security reasons, it will first need to be skimmed through a reader, after which it would generate an access code which then unlocks the chip for reader access.

to know more about indian passport tourist visa and development visit the link below

Wiki

Top 5 Laptops within Rs. 30,000 in Delhi , Noida and Gurgaon

There were some days when a laptop would cost Rs. 80,000 (about $2,000) and even in that price you could only manage to get yourself a laptop with only basic configuration which had performance nowhere near the performance of a desktop computer. Today laptops are available at as low as Rs. 20,000 and in that price you can have a decent laptop enough for net surfing, listening to music and doing office works at the same time. In fact, it has become a special category of laptops called netbooks which are only meant to meet these needs without costing an arm or a leg. Here are the best laptops that you can get under Rs. 30,000. Almost all of these laptops have nearly the same configuration with Intel Atom Procesor, 1 GB of RAM, 160 GB HDD and a 10 inch screen. We have ranked them in the order that gives you the best bang for you bucks.

Acer Aspire One AOD 150
Display : 10.1 inch 1024 X 600 pixels LED backlit display
Processor : Intel Atom N270 1.6 GHz
RAM : 1GB
HDD : 160 GB
Price Rs. 22,000

Lenovo IdeaPad S10
Display : 10.2 Inch 1024 X 600 Pixels
Processor : Intel Atom 1.6 GHz
RAM : 1 GB
HDD : 160 GB
Price Rs. 23,000

Asus Eee PC 1005 HA Seashell
Display : 10.1 inch 1024 X 600 pixels LED Backlit
Processor : Intel Atom N280 1.66 GHz
RAM : 1GB DDR2 SDRAM
HDD : 160 GB 5400 rpm SATA
Price Rs. 28,000

Dell Inspiron Mini 10
Display : 10.1 inch 1024 X 576 pixels
Processor : Intel Atom Z520 1.33 GHz
RAM : 1 GB
HDD : 8GB Mini PCI SSD Card
Price Rs. 24,000

Samsung NC10
Display : 10.2 inch LED backlit display
Processor : 1.6 GHz Intel Atom N270 Processor
RAM : 1GB DDR2
HDD : 160 GB
Price Rs. 27,000

All the above prices are survey price and we don't gurantee that you will have this on your retail market , so suggestion before u buy recheck the price for compare price .

Low cost Blackberry Curve 8520 launched with Airtel & RIM in Indian

great news for all those who dreamed to have a Blackberry because new launched BlackBerry Curve 8520 comes in an easy affordable price of just Rs 15,990/-.
This light weight Blackberry is 3.9 grams lighter than the lightest Blackberry. Featuring a 2 megapixel camera and a 1150 mAhr, it can last for 4.5 hours of talk time with 17 days standby time. It is thinner by 0.4 mm than 8900. It has dedicated keys to help you play music, pause to talk and skip tracks. You can easily mute a call with a dedicated button.
Sync of music from iTunes and Window Media Player can be done easily as it comes with a 3.5-mm stereo headset jack and BlackBerry Media Sync.
IM and social networking applications makes you very comfortable to access sites such as Facebook, My Space, and Flickr. It has preinstalled feature of BlackBerry messenger.

As per the RIM’s plan you can skin your Curve 8520 with six different colours. These tight-fit rubber skins add durability to the handset, and give your BlackBerry a slightly different look than the thousands BlackBerry you see around.
It includes voice-activated dialing and Bluetooth support, built-in Wi-Fi and full HTML web browser with support for online streaming video.

The curve 8520 has a touchpad with separate multimedia keys, comfortable QWERTY keyboard and 256MB Flash Memory.

Although it does not provide you with GPS and BlackBerry Map feature still you can add yourself to the BlackBerry owners club with just paying the cost of 15,990/- and a service plan of Rs 299/-.

Tata TeleServices Unveiled India’s First 3G Embedded Netbook

Tata Teleservices Limited (TTSL) has announced India’s First 3G Embedded netbook in collaboration with Haier Mobile i.e. Olive telecommunication. The netbook is equipped with high speed internet access for mobile Internet connectivity and broadband. The devices use EV-DO or Evolution-Date optimized technology on Tata Teleservices network which will enable users with broadband connectivity. They said that they will launch a complete range of netbooks enabled with 3G connectivity in the next few months. All of them will be in the range of Rs. 4,999 to Rs. 39,999.

Specifications of X107H
Qualcomm’s QSC6085 chipset
1 GB DDR memory
160 GB 2.5 inch hard drive
1.6 GHz processor
Price of X107H
The netbook X107H including photon plus device is priced at Rs. 23,999.

It will be avaialble at all Tata Indicom Stores and retail outlets.



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5 girls killed in school

stampede happened after the students were asked to vacate the classroom following rumours of electrocution in the rainwater accumulated on the school premises following heavy rains in Delhi and NCR , Reported by Various Reputed TV channels That the major cause of Stampede was the heavy rain from last evening had left the school premises flooded and when the children were inside a rumour went around that the ankle-deep water was charged with electricity.

It got panicked and started leading to a stampede on a staircase, a police official said.

27 students injured, 26 are girls. The students are reported to be between 14-18 years of age.

Around 1,000 students inside the school and all of them were evacuated.

Delhi Chief Minister Sheila Dikshit has expressed shock at the incident.

Traffic jams because of heavy rains lash Delhi

The city received 93.2 mm of rains since 8:30 pm last night.

The rains led to a dip in temperature with the minimum being recorded at 23.3 degree Celsius.

Delhi has received a total of 538.6 mm of rain this monsoon against an average of 573 mm.

The heavy rains led to traffic jams in Mayur Vihar, Vasant Vihar, Munirka, Dhaula Kuan, Pragati Maidan, Moolchand, Lajat Nagar, Laxmi Nagar, Bhajanpura and Nizamuudin areas.

Traffic lights were also not working in many areas, adding to the woes of the motorists.

Office-goers had a tough time reaching their destination with most of the roads waterlogged.

Orthokan Cap

Orthokan is research Based formulation of time tested '"Pure Organically Cultivated Himalayan Herbs, which are potent anti-inflammatory, analgesic, anti-arthritic, antirheumatic, immwwmodulator, rejuvenator, muscle toner & enhances joint functions. This pure herbal formulation is a boon for patient suffering from joints pain, osteo arthritis, rheumatoid arthritis, Qouty arthritis, sciatica, low back_pain, cervical spondylitis , frozen shoulder & other neuro muscular pain.

It is highly effective for above said problems because it strides root cause of the disease andean be taken for long time being a safe Herbal product, joints pain & arthritis are very big problem in bur society specially above 45 & senior citizens, mostly sufferers depend on allopathic pain killers & some time steroid, zvhich have very dangerous side effect & causes serious problems like kidney failure, Hypertension, gastric ulcer, gas & constipation, Liver problems etc. '}bu can avoid these serious problems by using Orthokan capsules.

'Biccfwobuti(Qirardinia diversifolia): Leaves are specific in headache & swellings of joints. The therapeutic action of 'Bicchubuti includes reduction of joints, swelling, restoration and improvement of blood supply inflamed joints, pain relief increased mobility, amelioration of morning stiffness, streriod'sparing effect and general improvement in the quality oj life. It was found that 'Bicchubu ti while being an effective anti-inflammatory compound produced no untoward side effects common to most anti-inflammatory drugs.

(Salai Quggul CBoswedia serrata): The major use of Boswellia serrata as an anti-arthritic and anti-inflammatory. It's anti-inflammatory action supported by solid science, are indicate/Tin clinical medicine for the treatment of rheumatoid arthritis, osteoarthritis, juvenile rheumatoid arthritis, soft tissue rheumatism, gout, low back pain, myositis andfibrositis and are attributed primarily to the presence of (Boswellic acid).

(Centipeda orbicularis): Whole plant is used as anti inflammatory, in joint pain, headache, and cold in the head. It is also employed in the cure of toothache; used also for migraine. It is considered a hot and dry medicine. Usefitlin Taralysis, Tains in joint and special disease; also as a vermifuge. Shudh Vatsanabh (AconitumferoTc): It is found to remarkable beneficial in rheumatism, acute and chronic gout, Arthritis and other painful affections. It is also useful in diabetes, decreasing the quantity of urine and sugar.

According to Ayurveda 'Vnigundo is astringent, bitter hot and is useful in oedema, rheumatoid arthritis, sciatica, pain and inflammation in joints, headache and other painful conditions very efficacious in dispelling swellings.

(Dosage :l-2 capsule three times a day with water or milk:

Thetregime: Avoid heavy gasforming, delay digesting, fried& junkfood.

Cigar Smoking :: The Health Risks - A Herbal Solution at Kangra Herbal

We have all heard of the risks associated with smoking cigarettes, but what are the risks of cigar smoking?

Are the risks of smoking cigars just as dangerous, or more so? According to the National Cancer Instituted, regular cigar smoking can result in a major health threat. Scientific research has linked cigar smoking with cancers of the larynx, lungs, esophagus, and oral cavity. Newer research also indicates that cigar smoking may be strongly linked to the development of cancer in the pancreas.

Doctors also caution that individuals who regularly inhale while enjoying a cigar are also at greater risk of developing lung disease and heart problems. The health threats of cigar smoking appear to increase dramatically in those individuals who smoke regularly and inhale while smoking. Someone who smokes three to four cigars each day will him or herself at eight times the risk of developing some kind of oral cancer than a nonsmoker.

Unfortunately, we do not yet know the health risks of smoking the occasional cigar. It seems clear however that smoking cigars on a daily basis can pose serious health risks. Many individuals wonder if cigars are as addictive as cigarettes. Many wonder why, for instance, so many people become addicted to cigarettes, and not cigars? The truth is that any tobacco product can become addictive because it contains nicotine. Witness the effects of smokeless tobacco products on individuals. These products, such as chewing tobacco, can become very addictive, simply because they contain tobacco, which in turn contains nicotine. Many cigar smokers do not inhale deeply, thus causing the nicotine to be inhaled superficially.

Cigarette smokers tend to inhale, causing the nicotine to be absorbed faster and more readily by the lungs. Even though most cigar smokers inhale the nicotine more superficially, it is still possible to become addicted if the user smokes cigars on a regular basis. If nicotine is so addictive, why don't more cigar smokers smoke more often? It appears that more people avoid becoming 'hooked' on cigars for several reasons.

The most obvious reason is that the nicotine is inhaled much more superficially than in regular cigarette smoking, causing less nicotine to be absorbed by the body. Also, cigars are not as readily accessible as cigarettes. They are viewed by most as a luxury item, saved for special occasions and used infrequently. However, when cigars are smoked on a regular basis, they can become addictive. The health risks of any kind of smoking increase dramatically as frequency of use increases.

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Kangra Herbal Products, Beauty Parlour / Saloon / Items, Kangra Herbal Product

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